...appraisal in banks pdf A PROJECT REPORT ON CREDIT APPRAISAL - Free download as Word Doc.doc.docx, PDF File.pdf, Text file.txt or read online for free. CREDIT POLICY OF COMMERCIAL BANK y Commercial banks and its. As the credit appraisal is one of the crucial areas for any bank, some of the. Credit risk management state bank of india project report mba.Keywords: Credit Appraisal, MSME, NPA, Lakshmi Vilas Bank. 2-05, Requirements for the Appraisal Report 10252011. They report that 41 financial ratios are considered important, given citation in one more of. The bank must bring more transparency in appraisal of the project there should be.Project on hdfc read may be help ful to you pdf Download. Hii there,i need a report on credit appraisal process in a bank.if anyone have any resource. 1 of 2: P4812.pdf. Credit appraisal or project planning must be viewed as a process of. Once the SEM, on the basis of its evaluation of the flash report, decides that the project justifies a detail appraisal, it nominates lead financial institutions.Project Credit appraisal is done by banks or financial institutions by. Internal Circulars of the bank Research papers, power point presentations and PDF files.Credit Appraisal at Allahabad bank can be categorized under 3 heads. A detailed project report covering marketability and Techno-economic feasibility in.technical viability of the project proposed its funding pattern. Credit appraisal means an investigationassessment done by the bank prior...
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...b) Problem statement and objectives. In this paper we are going to assess the performance of ATF Bank during period from 2004 till 2011. This period of time will be divided into two parts. First 2004 till 2007 when ATF Bank was fully Kazakhstani bank, and second from 2008 till 2011, when Italian UniCredit Group become owner of ATF Bank. The main purpose of this paper is identify the difference in efficiency and profitability of ATF Bank between these two periods. Till 2007 ATF Bank was the third largest Kazakh bank, with total assets of EUR 6.3 billion and a market share of 11.8 per cent. Additionally, Bank was present with own subsidiaries in the Republic of Kyrgyzstan, in the Republic of Tajikistan and in the Russian Federation (Omsk region). At 25st of June 2007 Bank Austria Creditanstalt (BA-CA), responsible within the UniCredit Group for commercial banking activities in CEE, has signed a share purchase agreement with private shareholders to acquire a majority shareholding in ATF Bank The purchase price for the entire outstanding capital of ATF was USD 2,175 million, plus an amount equal to the capital increase (currently estimated at around USD 100 million) to be subscribed by ATF’s existed shareholders before completion of the transaction. Since the transaction is expected to be completed during the second half of 2007, the purchase was adjusted by an amount equal to 50 per cent of ATF Bank’s 2007 net profit. The transaction was financed entirely from existing internal...
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...administration and laborers. * Formulation of policy for the improvement of business policy. * In performance evaluation of a business unit internship program is most significant. * Comparing or determining then extent applicability of systems or methodologies of various business disciplines. * Identify or direct barriers and changes to bring success of business unit. * Knowing about method of correction of errors, formulation of co-operatives. 1.2 SCOPE OF INTERNSHIP PROGRAM: Scope of the study can be described in terms of two grounds like: Organizational Scope: I worked in some important departments of Janata Bank Ltd. Hatem Khan Branch Rajshahi. I could not get the opportunity to work in foreign exchange department. I gave my all customers service in Janata Bank. Periodical Scope: My practical orientation in Bank started from the beginning dated 3rd May to 2nd June. The total duration of program was 4 weeks. 1.3...
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...Task 3 Mission statement Strengthening the business in Australia, New Zealand and the Pacific, while establishing a signifcant presence in key market in Asia. Building connectivity to support customers who are operating increasingly wthin and aross the region. Providing customers with the right financial solution and insights to help them progress. Growing and strengtheningthe bank by diversifying the earnings. What are the organisation’s key competencies? Australia: Comprises Australian rural commercial and agribusiness products, small business banking products, retail distribution, retail banking products, private banking, consumer finance, investment and insurance products, vehicle and equipment finance, rental services and fixed and at call investments. The Australian business brands include Esanda, E*Trade Australia and ING Australia. New Zealand: The New Zealand division covers a range of banking services for personal, small business and corporate customers in New Zealand including corporate and commercial banking, investment insurance products, private banking, rural banking and central support. The division includes business of ANZ Retail and NBNZ Retail. International & Institutional Banking: This division provides solutions for global institutional clients, retail and business clients in the Asia Pacific region. Technology: Technology is comprised of the global delivery of ANZ's information technology services for customers and staff as...
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...INTERNSHIP REPORT ON HABIB BANK LIMITED PAKISTAN SUBMITTED BY: MUHAMMAD IRFAN ALI LOGID: mc070402338 Phone# 0313-6747208 Mail address: syedirfanmw@yahoo.com & mc070402338@vu.edu.pk Address: Ward # 2 Mohala Chah Kurai MBA (FINANCE) 2007-09 SUPERVISED BY: MAHER AMEER MUHAMMAD DATE OF FINAL REPORT 10-04-2009 to 10-06-2009 NAME OF THE UNIVERSITY VIRTUAL UNIVERSITY OF PAKISTAN 1 2 3 4 5 6 7 DEDICATION Allah Almighty ( whose claim (to obedience) cannot be satisfied by those who attempt to do so”) & His Beloved People. 1 ACKNOWLEDGEMENT Thanks to ALLAH Almighty for giving me such a beautiful opportunity and enabling me to complete my project. Thanks to my loving parents and guardian who help me a lot at every phase of my life, encouraged me in the days of depression and sacrificed for my better future. I am very thankful to Mr. Maher Ameer Muhammad my supervisor, who has helped me a lot in finding an appropriate project and for his reviews, encouragement, and support. I am thankful to all of my teachers and my class fellows and friends whom Cheerfulness and guidance is an asset for me .I am especially...
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...Ngoc Minh Student Number: 217527 School: Columbia Southern University I. Introduction At the beginning, Sacombank was just a small bank, established in 21st December 1991, with the initial chartered capital of 3 billion VND and operated within Ho Chi Minh City (Sacombank, 2012). After about 22 years’ operating, Sacombank is now one of the leading Vietnamese commercial joint stock banks with strong financial capacity and stable operation. Through all the ups and downs, changes in policies, economy, Sacombank has expanded the size, assets, equity, and especially Sacombank has the broadest network of business locations in Vietnam, Laos, and Cambodia. As a Sacombank’s staff, I would like to analyze my company to find out how to develop the bank as the mission to be the leading retail bank in Indochina. In this report, I will intro briefly about the Sacombank, go through the organization structure, operating activities, effectiveness and discussion about some problem appearing when the company in service with this organization structure. Moreover, recommendations will be given to solves the problems and allow the organization operate efficiently. II. Mission and objective: Sacombank through 22 year has created a good business network, modern technology system, and stable financial capacities which allow the bank to constantly maximize value for customers and shareholders, bring value to staff in terms of career development and wealth, contribute to the...
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...BWBS3043 ISLAMIC BANKING MANAGEMENT TABLE OF CONTENTS BIL 1.0 2.0 CONTENT Islamic Contracts in Islamic Bank INTRODUCTION OF THE SELECTED BANK 2.1 2.2 2.3 Background of Affin Bank Berhad Background of Islamic Affin Bank Berhad Background of RHB Islamic Bank Berhad PAGE 2 5 5 6 7 8 8 12 15 17 18 47 3.0 LOAN AND FINANCING SERVICES 3.1 3.2 Affin Bank Berhad Services Affin Islamic Bank Berhad Services 3.2.1 3.2.2 3.3 Trade Financings Contracts Financing RHB Islamic Bank Services 4.0 Comparison of Products between Conventional Bank and Islamic Bank 4.1 Affin Bank Berhad and Affin Islamic Bank Berhad 19 20 5.0 References Page | 0 BWBS3043 ISLAMIC BANKING MANAGEMENT 1.0 ISLAMIC CONTRACTS IN ISLAMIC BANK Definition It involves a contract between the seller and its buyer for the sale of goods at a price that includes an agreed profit margin, either a lump sum or percentage of the purchase price. The seller will purchase the goods that requested by buyer and will sell them to buyer with a mark-up. Contracts Murabahah (cost-plus financing) Mudharabah (profit sharing) Contract with one party providing 100 per cent of the capital (Rabb al-Mal) and the one party (the mudharib) providing its expertise to invest the capital and manage the investment project. Profits generated are distributed according to a pre-determined ratio, but it like the capital itself that cannot be guaranteed. The provider of capital was the losses, who have no control over the management of the...
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...Definition of 'Commercial Bank' A financial institution that provides services, such as accepting deposits, giving business loans and auto loans, mortgage lending, and basic investment products like savings accounts and certificates of deposit. The traditional commercial bank is a brick and mortar institution with tellers, safe deposit boxes, vaults and ATMs. However, some commercial banks do not have any physical branches and require consumers to complete all transactions by phone or Internet. In exchange, they generally pay higher interest rates on investments and deposits, and charge lower fees. Investopedia Says Investopedia explains 'Commercial Bank' Commercial banking activities are different than those of investment banking, which include underwriting, acting as an intermediary between an issuer of securities and the investing public, facilitating mergers and other corporate reorganizations, and also acting as a broker for institutional clients. Some commercial banks, such as Citibank and JPMorgan Chase, also have investment banking divisions, while others, such as Ally, operate strictly on the commercial side of the business. State Bank of India (SBI) is a multinational banking and financial services company based in India. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of December 2012, it had assets of US$501 billion and 15,003 branches, including 157 foreign offices, making it the largest banking and financial services...
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...http://www.assignmentpoint.com/business/finance/southeast-bank-limited-performance-evaluation.html Southeast Bank Limited Mission Southeast Bank mission is to continue our support for expansion of activities at home and abroad by adding new dimensions to our banking services which have been ongoing in an unabated manner. Alongside, we are also putting highest priority in ensuring transparency, account ability, improved clientele service, as well as our commitment to serve the society through which we want to get closer to the people of all strata. Winning an everlasting seat in the hearts of the people as a caring companion in uplifting the national economic standard through continuous up gradation and diversification of our clientele services in line with national and international requirements is the desired goal we want to reach. After doubling itself in size and soundness Southeast Bank Limited has been consolidating its position and preparing itself for the new millennium by upgrading technology, training its work force, restructuring organizationally and creating a new work culture. * High quality financial services with state of the art technology * Fast customer service * Sustainable growth strategy * Follow ethical standards in business * Steady return on shareholders’ equity * Innovative banking at a competitive price * Attract and retain quality human resource * Commitment to Corporate Social Responsibility Vision Ensuring highest standard of...
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...The UBPR report, which covers the operations of a bank, provides a very useful tool for the management of the financial firm, and thus do us a great favor to have a deep understanding of the financial firm. Directly from the page 1 of the UBPR report, the basic profit status of the commercial bank can be seen both from its development tendency and from the comparison between its own and the peer group ratio. First, when referring to its interest income and its interest expense, it can be seen that the interest income of this bank is lower than the average status in its peer group, while the interest expense is higher. This lends to a lower net interest income when compared with its peer group. Meanwhile, from the year 2010 to the year 2013, the interest income has suffered a loss for about 16.6 percent with the interest expense decreased by about 53 percent. The whole peer group has the same tendency while the income decreased by only 12 percent and the interest expense decrease by more than 56 percent. This may both lend to the company’s poor operation when compared with other commercial banks at the same period. And secondly, its noninterest income is more than twice the income of its peer group’s average noninterest income. So though both the noninterest income and the noninterest expense is higher than its peer group, the advantage of its income is bigger than the disadvantage of its expense when in terms of the noninterest income and expenses. Thirdly, its loan and lease...
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...Mountain Bank: Achieving a Competitive Advantage in the Marketplace Mountain Bank is involved in several sectors within the banking industry. These are consumer lending, real estate and mortgage banking, corporate banking and retail banking. Retail banking in consumer lending has been the largest area of the bank’s business, yet not the most profitable. Mountain Bank could gain more stable accounts and profits through real estate and mortgage and corporate banking. In order to increase its business into these areas, Mountain Bank must develop and implement strategies that will give the business a competitive advantage within the market. Two strategies that the organization can use are the competitive business and human resource strategies. Competitive Business Strategy A competitive strategy “focuses on different ways to provide goods and services to meet customer needs” (Brown & Stewart, 2009, p. 40). Mountain Bank should incorporate the differentiation strategy in order to attract more real estate and corporate clients. The company should strive to set itself apart from other banks through its utilization of optimal customer service by its bank tellers. “Recent studies have found that bank tellers are critical to the success of Mountain Bank. In fact, one study found that customer’s experiences with tellers is the single most important driver of customer satisfaction” (Brown & Stewart, p. 69). Customers will be more inclined to expand their business with...
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...1. Discuss the strategies that Mountain Bank should implement to achieve a competitive advantage in the marketplace. Changes are occurring in all organizations. Mountain Bank is no exception. Mountain Bank has a strong presence in retail banking and limited presence in the consumer lending, real estate and mortgage banking, and corporate banking lines. It is recognized that corporate banking is profitable. Since Mountain Bank has such a small presence in the corporate banking market, it has to position itself to communicate this business line to a new audience. To achieve a competitive advantage in the marketplace, Mountain Bank should implement the differentiation strategy. Mountain Bank will set itself apart from its competitors by offering a unique twist to its services. It may offer an added benefit to its customers who are already receiving the basic services. The employees at Mountain Bank hold the key to achieving the competitive edge. Mountain Bank’s employees would hold an advantage over their competitors as they tend to be cordial and highly skilled which makes customers feel trusting. A personal greeting such as “Good morning, Mr./Mrs. Jones” from the bank employees when customers enter for services would be a tremendous plus for the bank. Along with that greeting, employees would make the customers aware of the availability of the new services that the bank now offers and they are not yet taking advantage of. 2. Describe the types of practices a human...
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...lessee. * In 1965, LANDBANK's by-laws were approved and its first board of trustees was formed, with the Secretary of Finance as chairman. * In 1988, LANDBANK became the financial intermediary for the Comprehensive Agrarian Reform Program (CARP) * February 23, 1995, LANDBANK's charter was once again amended. Its authorized capital was increased to nine billion pesos and it became an official government depository. LANDBANK OF THE PHIL; * The Land Bank of the Philippines is a government financial institution that strikes a balance in fulfilling its social mandate of promoting countryside development while remaining financially viable. * The profits derived from its commercial banking operations are used to finance the Bank's developmental programs and initiatives. * LANDBANK also ranks among the top five commercial banks in the country in terms of deposits, assets, loans and capital. * Its special focus is to serve the needs of the farmers and fishermen. * It is an official depository bank of the Republic of the Philippines. * It is one of the biggest government-owned and/or controlled corporations in the Philippines. * Its deposit products include savings accounts, current accounts, time deposits, peso earning access and sure yield checks, and easy dollar pensions * It also offers Internet banking services, fund transfer services and remittance procedures, e-tax payment system, VISA cards, E-cards, and phone banking services. In addition...
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...Bus 530 Human Resource Management Mountain Bank Case Professor, Joni Barnard Quiana Echols October 23, 2011 Mountain bank has four major business lines to include retail banking, consumer lending, real-estate, and corporate banking. Right now the company holds fifty percent of the market when it comes to retail banking; however this sector is not very profitable. In consumer lending they hold twenty five percent of the market which is somewhat profitable. The company must tap into the more profitable sectors such as real estate and corporate banking in order to achieve a more profitable banking institution. While they respectfully hold less than ten percent market share in these two sectors, they are counting on cross selling and the sales of their tellers assist them in gaining more market share in these two areas. 1. Discuss the strategies that Mountain Bank should implement to achieve a competitive advantage in the marketplace. A competitive advantage exists according to, Quickmba.com, when a firm is able to deliver the same benefits as competitors but at a lower cost or deliver benefits that exceed those of competing products. Thus having a completive advantage enables the firm to create superior value for its customers and superior profits for itself. Strategy is defined as coordinated choices and actions that provide direction for people and organizations Stewart &Brown (2009). According to Stewart & Brown (2009) a competitive business strategy focuses on...
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...Mountain Bank is an establishment found in the northwest of the United States. There are four areas of business lines used by Mountain Bank they are corporate banking, retail estate and mortgage banking, consumer lending and retail banking (Stewart & Brown, 2009). Consumer lending and retail banking has been the financially beneficial to Mountain Bank as they have 50% and 25% of the market respectively (Stewart & Brown, 2009). However Mountain Bank has not been able to capture the market in the area(s) of real estate & mortgage banking as they have less than 10% of the market. They also have not been able to effectively branch out into the corporate market as they currently capturing less than 5% of the market (Stewart & Brown, 2009). Mountain Bank is attempting to use their high percentage of the retail market and carry it into the real estate & mortgage and corporate markets giving them a better standing against their competitors. I will attempt to create a competitive strategy for Mountain Bank that will strengthen their standing in the areas where they are currently limited. Using the universalistic approach and commitment strategy I will recommend several human resources practices that will be beneficial to their tellers. I will discuss the four human resource strategies that may be implemented within an organization and apply one of the strategies to that of Mountain Bank tellers. Discuss the strategies that Mountain Bank should implement to achieve...
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